Kershaw County property record for 1540 Ross Rd, Elgin, SC 29045
| Property Type | Single Family Home |
|---|---|
| Details | 3,153 sqft |
| Lot Size | 2.8 acres (121,968 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $355,000 (Aug 2026) |
| Tax Bill | $2,839 (2023) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 347-00-00-027 |
| Primary APN | 347-00-00-027 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,153 sqft Gross Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick |
|---|---|
| Lot Area | 121,968 sqft (2.8 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Porch | Porch |
| Porch Area | 148 sqft |
| Account Number | 4816 |
|---|---|
| Street Address | 1540 ROSS RD |
| City | ELGIN |
| State | SC |
| Zip | 29045-9295 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R15 |
| Legal Description | 652-128 345-236/239 JD-3238 88ES4030653 |
| Jurisdiction | KERSHAW SC |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 970909 |
Source: Kershaw County records, as of September 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1540 ROSS RD, ELGIN, SC 29045-9295 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2026 | Personal Representative Deed, Transfer · Conventional Mortgage SOUTH STATE BANK |
| Apr 13, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2026 · Amount on Record |
| Deed Sale | Aug 10, 2026 · Amount on Record |
| Prior Sale | Jul 7, 1998 |
| Deed Document Number | 20267624 |
| Deed Book / Page | 5651 / 259 |
| Record Updated | Oct 29, 2026 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | KERSHAW SC |
| Recording Date | Aug 10, 2026 |
| Property Address | 1540 ROSS RD, ELGIN, SC 29045-9295 |
| Document Number | 0000007624 |
| Book / Page | 5651 / 259 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 20267624 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $93,223.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1540 ROSS RD, ELGIN, SC 29045-9295 |
| Document Number | 0000007624, |
|---|---|
| Date | Aug 10, 2026 |
| Instrument | 20267624 |
| Name | SOUTH STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KERSHAW SC |
| Property Address | 1540 ROSS RD, ELGIN, SC 29045-9295 |
| Document Number | 0000004338 |
| Instrument Date | Apr 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 1540 ROSS RD ELGIN SC 290459295, ELGIN, SC 29045-9295 |
| Document Number | 0000004338 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 004226/000001 |
| Instrument | 4338 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 20, 2035 |
Source: Kershaw County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | South Carolina |
| County | Kershaw County |
| Unified School District | Kershaw County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $252,300 (-) Land $28,000 Building $224,300 | $252,300 (-) | |
| 2023 | $2,839.00 | $252,300 Land $28,000 Building $224,300 | $252,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 28, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · lower than 61% of South Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LUGOFF ELGIN WATER AUTH serves 25,783 people · EPA ID SC2820001 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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